{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?lang=ar&state=MI",
  "filters": {
    "state": "MI",
    "lang": "ar",
    "limit": 10
  },
  "count": 6,
  "results": [
    {
      "rank": 1,
      "score": 41,
      "loan_officer": {
        "nmls_id": 377291,
        "slug": "kal-ramadan-377291",
        "full_name": "Kal Ramadan",
        "canonical_url": "https://lendb.ai/lo/kal-ramadan-377291",
        "json_url": "https://lendb.ai/lo/kal-ramadan-377291.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "slug": "chase-399798",
          "canonical_url": "https://lendb.ai/lender/chase-399798",
          "type": "bank"
        },
        "branch": {
          "city": "Canton",
          "state": "MI"
        },
        "headshot_url": "http://a.mktgcdn.com/p/uP59PAanQIQCQR0U6S-w97OW0jVMjVbkSz4j0sK3Utk/854x1280.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "ar"
        ],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 24,
        "lender_profile_url": "https://homelendingadvisor.chase.com/mi/canton/45345-ford-rd-hla-377291",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Arabic (lender page, verified 2026-10-19)",
        "Office in Canton, MI",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 24 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/kal-ramadan-377291",
      "license_check": {
        "state": "MI",
        "confidence": "federal_registration",
        "eligible": true,
        "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "verified_at": "2026-10-19",
        "source_url": null
      }
    },
    {
      "rank": 2,
      "score": 39.5,
      "loan_officer": {
        "nmls_id": 1387484,
        "slug": "al-baalbaki-1387484",
        "full_name": "Al Baalbaki",
        "canonical_url": "https://lendb.ai/lo/al-baalbaki-1387484",
        "json_url": "https://lendb.ai/lo/al-baalbaki-1387484.json",
        "lender": {
          "nmls_id": 113054,
          "name": "The Mortgage Link, Inc.",
          "slug": "the-mortgage-link-inc-113054",
          "canonical_url": "https://lendb.ai/lender/the-mortgage-link-inc-113054",
          "type": "imb"
        },
        "branch": {
          "city": "Dearborn",
          "state": "MI"
        },
        "headshot_url": "https://39552115.fs1.hubspotusercontent-na1.net/hubfs/39552115/Loan%20Officer%20Headshots/Al%20Baalbaki.png",
        "licensed_states": [
          "MI"
        ],
        "licenses": [
          {
            "state": "MI",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "ar"
        ],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2015-09-30",
          "state": "WI"
        },
        "licensed_since": {
          "year": 2015,
          "state": "WI"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.themortgagelink.com/loan-officer/al-baalbaki",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Arabic (lender page, verified 2026-10-15)",
        "Office in Dearborn, MI",
        "MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: September 30, 2015 (Wisconsin), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/al-baalbaki-1387484",
      "license_check": {
        "state": "MI",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-15",
        "source_url": "https://www.themortgagelink.com/loan-officer/al-baalbaki"
      }
    },
    {
      "rank": 3,
      "score": 37,
      "loan_officer": {
        "nmls_id": 1639185,
        "slug": "samantha-haddad-1639185",
        "full_name": "Samantha Haddad",
        "canonical_url": "https://lendb.ai/lo/samantha-haddad-1639185",
        "json_url": "https://lendb.ai/lo/samantha-haddad-1639185.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "slug": "chase-399798",
          "canonical_url": "https://lendb.ai/lender/chase-399798",
          "type": "bank"
        },
        "branch": {
          "city": "Ypsilanti",
          "state": "MI"
        },
        "headshot_url": "http://a.mktgcdn.com/p/nPvxgYI-KhfjjHjImocC_VdljTChLmw3HNhNfbIWEmk/447x670.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "ar"
        ],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2017-08-10",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2017,
          "state": "FL"
        },
        "years_experience": 12,
        "lender_profile_url": "https://homelendingadvisor.chase.com/mi/ypsilanti/4101-e-ellsworth-rd-hla-1639185",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Arabic (lender page, verified 2026-10-26)",
        "Office in Ypsilanti, MI",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "Earliest state license record: August 10, 2017 (Florida), per state regulator",
        "States 12 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/samantha-haddad-1639185",
      "license_check": {
        "state": "MI",
        "confidence": "federal_registration",
        "eligible": true,
        "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "verified_at": "2026-10-26",
        "source_url": null
      }
    },
    {
      "rank": 4,
      "score": 34.5,
      "loan_officer": {
        "nmls_id": 1611782,
        "slug": "ibrahim-ezzat-1611782",
        "full_name": "Ibrahim Ezzat",
        "canonical_url": "https://lendb.ai/lo/ibrahim-ezzat-1611782",
        "json_url": "https://lendb.ai/lo/ibrahim-ezzat-1611782.json",
        "lender": {
          "nmls_id": 399802,
          "name": "Bank of America",
          "slug": "bank-of-america-399802",
          "canonical_url": "https://lendb.ai/lender/bank-of-america-399802",
          "type": "bank"
        },
        "branch": {
          "city": "Dearborn",
          "state": "MI"
        },
        "headshot_url": "https://images.em.bankofamerica.com/AMP/EF057440-FABE-4736-AD69-1485DEC9004A.png",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "ar"
        ],
        "specialties": [],
        "lender_offers": [
          "down-payment-assistance",
          "fha",
          "first-time-buyer",
          "heloc",
          "jumbo",
          "physician",
          "va"
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2017-10-17",
          "state": "WI"
        },
        "licensed_since": {
          "year": 2017,
          "state": "WI"
        },
        "years_experience": 9,
        "lender_profile_url": "https://mortgage.bankofamerica.com/ibrahim-ezzat",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Arabic (lender page, verified 2026-10-19)",
        "Office in Dearborn, MI",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "Earliest state license record: October 17, 2017 (Wisconsin), per state regulator",
        "States 9 years of experience (lender page, 2026-10-19)"
      ],
      "canonical_url": "https://lendb.ai/lo/ibrahim-ezzat-1611782",
      "license_check": {
        "state": "MI",
        "confidence": "federal_registration",
        "eligible": true,
        "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "verified_at": "2026-10-19",
        "source_url": null
      }
    },
    {
      "rank": 5,
      "score": 33,
      "loan_officer": {
        "nmls_id": 1970453,
        "slug": "abbas-idris-1970453",
        "full_name": "Abbas Idris",
        "canonical_url": "https://lendb.ai/lo/abbas-idris-1970453",
        "json_url": "https://lendb.ai/lo/abbas-idris-1970453.json",
        "lender": {
          "nmls_id": 399802,
          "name": "Bank of America",
          "slug": "bank-of-america-399802",
          "canonical_url": "https://lendb.ai/lender/bank-of-america-399802",
          "type": "bank"
        },
        "branch": {
          "city": "Dearborn",
          "state": "MI"
        },
        "headshot_url": "https://images.em.bankofamerica.com/AMP/B7CE5A1A-AED1-4B52-8B25-D5334A9BC771.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "ar"
        ],
        "specialties": [],
        "lender_offers": [
          "down-payment-assistance",
          "fha",
          "first-time-buyer",
          "heloc",
          "jumbo",
          "physician",
          "va"
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2020-09-24",
          "state": "IA"
        },
        "licensed_since": {
          "year": 2020,
          "state": "IA"
        },
        "years_experience": null,
        "lender_profile_url": "https://mortgage.bankofamerica.com/abbas-idris",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Arabic (lender page, verified 2026-10-19)",
        "Office in Dearborn, MI",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "Earliest state license record: September 24, 2020 (Iowa), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/abbas-idris-1970453",
      "license_check": {
        "state": "MI",
        "confidence": "federal_registration",
        "eligible": true,
        "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "verified_at": "2026-10-19",
        "source_url": null
      }
    },
    {
      "rank": 6,
      "score": 31.8,
      "loan_officer": {
        "nmls_id": 2142742,
        "slug": "nabil-blaik-2142742",
        "full_name": "Nabil Blaik",
        "canonical_url": "https://lendb.ai/lo/nabil-blaik-2142742",
        "json_url": "https://lendb.ai/lo/nabil-blaik-2142742.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "slug": "chase-399798",
          "canonical_url": "https://lendb.ai/lender/chase-399798",
          "type": "bank"
        },
        "branch": {
          "city": "Dearborn",
          "state": "MI"
        },
        "headshot_url": null,
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "ar"
        ],
        "specialties": [
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 3,
        "lender_profile_url": "https://homelendingadvisor.chase.com/mi/dearborn/14901-ford-rd-hla-2142742",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Arabic (lender page, verified 2026-10-26)",
        "Office in Dearborn, MI",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 3 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/nabil-blaik-2142742",
      "license_check": {
        "state": "MI",
        "confidence": "federal_registration",
        "eligible": true,
        "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "verified_at": "2026-10-26",
        "source_url": null
      }
    }
  ]
}